Head of Consumer Onboarding & Integrity

PayPal•San Jose, CA

4d•$198,000 - $323,950•Hybrid

About The Position

This job develops and articulates a clear vision and strategy for risk management, collaborates with stakeholders, inspires and leads teams, monitors risk exposure, and provides industry-leading guidance. It involves ensuring compliance and safeguarding the organization’s reputation.

Requirements

12+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
12+ years in financial services fraud, identity, or trust and safety, with at least 5 years in a senior leadership role.
Deep experience operating KYC programs to mitigate stolen identity and bots at scale, ideally within a regulated financial institution or large payments platform.
Hands-on experience with identity proofing technology — document verification vendors, biometric liveness, knowledge-based authentication.
Demonstrated ability to build and lead strategy teams as well as provide feedback and directions to the detection science teams.
Experience managing the tension between onboarding friction and conversion — fluency in false positive cost measurement.
Experience in working with Product and Engineering organizations to build out fraud risk systems to implement fraudulent strategies to manage user profile.
Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking.

Nice To Haves

Preferred background: Financial institution (bank and wallet), large-scale consumer identity platform, or trust and safety at a major technology company.
Regulatory experience with OCC or CFPB examination processes is a strong plus.

Responsibilities

Develop and articulate a clear vision and strategy for risk management aligned with PayPal's overall strategy.
Collaborate with stakeholders to assess and mitigate risks impacting operations and assets.
Inspire and lead teams to implement long-term sustainability and financial stability strategies.
Monitor and evaluate risk exposure to ensure compliance and safeguard the organization’s reputation.
Provide key inputs and guidance as an industry leader to influence decision-making at the executive level.
Ownership of Onboarding across consumer KYC, including identity matching, document verification, liveness/selfie flows, and watchlist screening.
Synthetic identity and bot detection and mitigation — models and policy that identify fabricated or manipulated identities at the point of application.
Step-up verification design and threshold governance for onboarding friction for consumer in PayPal and Venmo.
1st party abuse and scam framework to mitigate loss severity and limitations both in early lifecycle monitoring for new accounts (90-day enhanced surveillance) and portfolio management.
Account takeover detection — login anomaly scoring, credential stuffing defense, session behavioral biometrics.
MFA and authentication strategy — enrollment rates, SIM swap detection, passkey/FIDO roadmap, delivering a graceful friction.
Account change controls — cool-down windows, re-authentication gates for high-sensitivity field changes.
Compromised consumer account response playbook — freeze, notify, restore, and loss recovery.